This institution is no longer active
Operations ceased on May 10, 2019. CRA examination history below reflects the period it was active.
At a Glance
Community Lending (CRA)
Outstanding
Exceeds federal requirements for lending in low- and moderate-income communities
Financial Health
Adequate
ROA 1.52%
Institution Profile
FDIC BankFindAddress
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Exceeds federal requirements for lending in low- and moderate-income communities
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$712M
Total Deposits
$587M
Net Loans
$558M
Net Income
$3M
ROA
1.52%
ROE
13.62%
Risk-Based Capital
13.41%
Regulatory minimum: 8%
Total Assets — Last 8 Quarters
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
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Mortgage Lending
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2022 | 136 | 66.18% | 25.00% |
| 2021 | 195 | 62.56% | 26.15% |
| 2020 | 28 | 64.29% | 14.29% |
| 2019 | 53 | 50.94% | 13.21% |
2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red
Rating History
CRA / FFIECRating Trend
↑ ImprovingBased on last 3 exams
3 previous ratings locked — dating back to 1991
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Rating Over Time
🔒 LockedExam dates and details are paywalled
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